Classic Car Insurance: What You Need to know

It doesn’t matter if you own a muscle car from the 1960s or a 1950s Cadillac, collectibles come in all shapes, sizes and models. As a car enthusiast, you want your car to turn heads. You want to hang onto that pride you feel for your classic car.

In order to keep your car protected at all costs, you need to look at classic collectors insurance. If you haven’t dealt with it in the past, here is what you need to know.

Personal Car Insurance VS Classic Car Insurance

It’s not uncommon to consider adding your classic car to your personal car insurance. The problem with this is one simple fact: most cars depreciate as time goes on. Classic cars, on the other hand, do not. With personal car insurance, the age influences your coverage. So, in case of a wreck, you may come up short.

Long-Term Insurance VS Uninsured

Many collectors only drive their vehicles when the weather is nice or if there’s a show to attend. You never want your car to lapse in insurance, even if you aren’t driving it. Keep in mind that insurance still covers theft and vandalism in your cars off-season.

Classic collectors insurance is crucial when you own a classic car. You put a lot of work into it, you deserve to have it protected for years to come.

Protect Your Computer Systems with Product Liability

As a computer systems dealer, your product is worth a lot of money. While you protect your business with a business policy, you also need to protect your product.

What Does Product Liability Cover?

The idea behind product liability is to protect your product. As someone who deals in computer systems, you hope that your product is going to work. Sometimes problems arise in manufacturing that end up missed until the product ends up in the hands of the consumer. Insurance protects you by providing for:

  • Property damage
  • Lawyer fees
  • Settlements in case of a lawsuit
  • Financial damages if ruled in plaintiff’s favor

What Doesn’t Product Liability Cover?

In order to better understand what computer systems dealers insurance may provide for you, it’s important to know what it doesn’t provide. For instance, product liability does not usually cover the following:

  • Product recall expenses
  • Lost inventory
  • Professional liability
  • Employee injuries
  • Product damage

If the liability is on your company, rather than your product, then your business insurance policy should be adequate.

When it comes to computer systems, there are sometimes faults with the system or software. If your software causes damage to a customer’s network, then you may be liable. With coverage, you are never paying out of pocket. Keep yourself safe with computer systems dealers insurance.

Everything You Need to Know Before Obtaining Oil and Gas Coverage

Today, New Mexico (NM) is one of the leading oil and gas producers in the nation. In order to take advantage of this incredible business opportunity, its is vital to obtain all the right paperwork and permits that come with this industry. One of those important steps is insurance. While you can obtain coverage from large, national agencies, these may not understand the risk and exposures of this business in your area. However, reaching out to a NM oil and gas insurance agency can get you the best insurance for you.

Building Relevant Policies One Step at a Time

Before jumping into the sometimes confusing world of insurance, it is recommended to inform yourself on the different policies and what they cover. Besides the standard general liability coverage, here a few options you may encounter.

Pollution: Spills and accidents can prove costly to the New Mexico environment. Pollution liability coverage can safeguard your investments in case your business involved in damages.
Rig and Equipment: Your specialized equipment is an essential part of your business’s success. This coverage can handles repair and replacement of different equipment.
Commercial Auto: This type of auto insurance can cover a whole fleet of large vehicles for one affordable policy.

Many NM oil and gas insurance companies can also offer inland marine, D&O, well control and several other protections. Contact a qualified agent today to protect your business with the best insurance possible.

User Experience on Insurance Websites

When it comes to clients searching for the right policies they need, being able to easily and efficiently navigate an insurance agency website is crucial. A potential client is going to quickly turn away and look for another solution if a website is too haphazardly thrown together and has a poor user experience. Simply having a website is not enough to make things easier for people and entice them to contact you. Here are a few qualities of user experience that will make your insurance agency website more appealing.

Organized Navigation

There are likely going to be a lot of webpages on your website. When someone is visiting, they will want to be able to get straight to the information they need without hassle. Including a navigation bar at the top with sensible categories and drop-down menus makes it much easier to find what you need.

Easy-to-Read Text

Keep your fonts and colors basic and clear. Include concise bits of important material separate from huge blocks of text. Also, make sure that all copy writing is well-written and engaging.

Make it Accessible to Contact You

When building your insurance agency website, have a distinctive contact section or page with multiple means of communication. Consider including an in-page contact form, as well as phone numbers, emails and social media accounts.

Key Components in Insurance for Nurses

Nurses are an integral part of the medical sector, providing bedside care, offering advice as well as tending to administrative tasks. Being a nurse can be very rewarding, but also comes with many exposures that need to be covered under an insurance plan such as those supported by Nurses Service Organization.

Exposures That Put Nurses at Risk

Without the proper safeguards in place, nurses can be vulnerable to an overwhelming amount of legal, employment and financial hardship. Similar to other health professionals, nurses must consider having protections in place in case whether they are simply accused or found guilty of cases such as the following:

  • Professional malpractice
  • Allegations of abuse
  • Being involved in or causing an injury or accident
  • Property damage

An Insurance Checklist

Experienced insurance agents specializing in insurance for nurses can anticipate potential risks so that these professionals are prepared well in advance. When shopping for plans, it is important that these plans include the following:

  • General and professional liability
  • Coverage for physical and sexual abuse allegations
  • Aggregate and occurrence coverage
  • Comprehensive and affordable plans

Speaking to a representative from Nurses Service Organization or other establishments specializing in insurance for nurses is one of the best ways to ensure that a policy is adequate for a particular work environment. While it is important to care for patients, it is also crucial that nurses are covered and taken care of as well.

Common Myths About Liability Insurance for Nurses

When it comes to healthcare providers, most physicians may carry personal malpractice insurance in addition to any liability insurance that may cover them under an employer’s group policy. Many nurses, however, may rely solely on their employer’s professional liability policy for malpractice coverage instead of obtaining personal coverage. Here are some common myths about professional liability insurance for nurses.

Coverage Under the Employer’s Group Policy Is Sufficient

Employer’s liability policies can have many limitations and exclusions. These limitations and exclusions can result in reduced or denial of coverage for lawsuits that can involve you.

If the duties that you performed that led to the incident were not part of your job description, your employer may not use their policy to defend you.
Your employer’s policy may not cover you for any claims filed after you leave employment, even if the incidents occurred while you were employed.

Only Doctors Get Sued for Malpractice

Doctors may not be the only ones who can be sued for malpractice. Anyone who is involved in patient care can be sued for malpractice if a patient is harmed. Many times, the entire care team can be named in a malpractice lawsuit.

Having Personal Coverage Can Make Nurses More Likely To Be Sued

Since plaintiffs and attorneys can only obtain information regarding who has malpractice insurance after a lawsuit is filed, having professional liability insurance for nurses may not have an effect on the frequency or number of lawsuits filed. Nurses with liability coverage can be just as likely to be sued as those without coverage.

Keep the Boats in Your Harbor Safe

Having a marina full of different people’s boats can put a considerable number of large, valuable property at risk. Accidents can happen, and problems can spread. If someone’s boat is damaged while in your harbor, you’ll need to be able to pay for repairs or other fees. To keep from having huge losses, insurance for marinas can help to cover these payments and protect from legal trouble. A few of the liabilities that insurance can cover are as follows.

Pollution

There are various sources of environmental harm from having an ample collection of boats managed in the same area. While being careful and properly educating employees is important, something may go wrong or be missed, causing pollution and possible illness.

Equipment breakdown

Some equipment included at marinas may, one day, break. Not only can these be costly to fix, but they could also cause damage to other objects present at the harbor. It’s important to be able to replace the equipment.

Storms

With so many boats on the water, they can be put under significant danger when a storm comes in. Intense winds and large waves can damage boats, forcing your marina into possible risk of financial loss without insurance for marinas.

Fire

Although boats are surrounded by water, there are plenty of dry materials within the boats that can catch fire. Sometimes, owners behind on their payments may even set their own boat on fire. The fire can then spread to other boats.

3 Things to Understand About Your Malpractice Insurance

Physicians, whether staffed or working locum tenens, know they need malpractice insurance, but they often don’t understand the ins and outs of their coverage. If you feel like you are in this boat, you are not alone. An insurance agency like HPSO insurance can walk you through your policy and answer any questions you might have.

Those that decide to dive in to their policy to learn a bit more are often surprised at all that is covered. Here are three things most doctors find interesting about their coverage.

Occurrence and Claims-made Coverage

These are the two types of malpractice insurance. The first, occurrence, protects a physician regardless of when a claim is filed. A claim filed under a claims-made policy is covered only if the incident took place while the insured’s policy was in force.

Locus Tenens Advocate

If you work locum tenens, your policy should include a provision that allows for a physician advocate. Your advocate, usually the staffing agency, will work as liaison between you and the carrier.

In-state Coverage

Another component locus tenens physicians will want to review. This ensures you are covered in the state you are assigned.

There are a number of other items you will want to review before you settle on a policy, like tail coverage, limits of liability and workers compensation. An insurer like HPSO insurance will help answer questions and walk you through your coverage.

What Will my Boat Cost me in Florida?

Boating is a wonderful hobby. Now that you are considering, or have purchased your new boat, it’s time to think about protecting it with the right insurance.

What are Common Factors in the Cost?

For boat insurance in Florida, average cost takes into consideration a number of factors. The below are just a few examples.

• Value of the boat
• Where it will be used
• What it will be used for
• Your driving record
• Safety measures

Before purchasing your boat, it may be wise to get a fairly specific idea of the type of vessel you want to purchase. You can then use this information to obtain insurance quotes. The cost of insurance coverage can then be considered when deciding which boat to purchase.

What Does Coverage Include?

Boaters insurance can cover many things. Some examples would be damage to your vessel, personal property, injury to yourself or others on your boat and even towing if needed. Insurance can also protect you in case of a storm, hurricane or other weather event and can cover damage to your boat if it is on the water or on land.

Just like car insurance provides coverage and peace of mind while being out on the roadways, boaters insurance provides those same benefits while you are enjoying the fun and relaxation of being out on the water. For boat insurance in Florida, the average cost is very small compared to the protection and peace of mind coverage provides.

 

Protections Under Trucking Insurance

Trucking, like any other business, require safeguards to protect property, employees and assets. With the all the potential challenges while trucking valuable merchandise across the country, it is imperative that these types of businesses have a reliable trucking liability insurance program in place. In a single job, the safety of the truck driver and other drivers on the road, quality of service and condition of goods must be maintained. Coverage under the right program can help make that possible.

Customized Coverage for Your Business’s Needs

When consulting with an agent of a trucking liability insurance program, it is possible to create a plan that is customized to fit the business’s needs. It’s important to discuss details such as the following:

  • Does the program cover produce, container or general freight haulers?
  • Is trailer interchange included?
  • What towing limits are available?
  • What states and distances does the program cover?
  • What are the coverage terms for physical damage, auto liability and general liability?

The stress, litigation and financial strain that result from not being covered has the potential to take away from a company’s growth and assets. A good trucking liability insurance program can give peace of mind that a business can adequately recover from an unpredictable event, so that it can better concentrate on providing high-quality service.